Mortgage decisions deserve more than a catchy headline, a low advertised rate, or a promise that sounds too good to be true. Whether you are considering a refinance, exploring home equity, or simply reviewing your current mortgage, pause before taking action based on an unsolicited letter, email, or phone call. The right loan depends on your goals, financial situation, timeline, and long-term plans: not just a sales pitch. Here are the three biggest “lies” worth questioning.